Getting Started with Continuation of Coverage
Welcome! COBRA or State Continuation gives you the right to continue your employer-sponsored health coverage after a qualifying life event. This page walks you through:
- What to consider when considering Continuation of Coverage
- How to enroll in Continuation of Coverage
- How to manage your coverage and payments
- How to access state rules
- Educational resources to get the most out of Continuation of Coverage
Step 1: Register on the Clarity Portal
Note: The Clarity Portal is the only way to access your continuation coverage. The Clarity Mobile App does not support Continuation of Coverage.
Step 2 : Elect Coverage
1. Click Access My COBRA Coverage
2. In the next window, you will see the Qualified Event record(s) found on your account. Click View Account.
3. Now you will see the Benefits section and your last day to elect benefits. Click Elect Plans.
1. In the Primary Participant section, review and update your information
2. Now add any dependents and choose your plans
3. Review your selection, accept the Terms, and click Submit Election
Step 3 : Managing COBRA Coverage
Once you’ve elected coverage, here’s how to make sure your coverage stays up to date:
Make a One-Time Payment
- Log in and click Make a Payment
- Choose to pay full or partial amount
- Select Bank Accountor Credit Card
- Pay securely and view confirmation
$25 convenience fee applies to one-time payments
Set Up Auto Recurring Payments
- Go to the Paymentstab and click Setup Recurring Auto Payments
- Enter bank info and authorize
- Recurring payments will post automatically each month
View Billing Info
Under Billing, click the down arrow to see:
- Due date
- Amount due
- Subsidies
- Plan details
View Mailed Letters
Under Communications, download any letters sent to you about your coverage, including your election notices.
State Rules
Some states offer extended or alternative continuation options. Use the drop downs below to find your state insert and view your staties coverage rules.
State-Specific COBRA Insert Finder
Easily determine which state-specific COBRA inserts must accompany your COBRA rights letters. Simply select the applicable state from the dropdown to view the required documents for individuals residing in that state or subject to special protections, such as USERRA. This tool ensures compliance with additional state and federal COBRA requirements.
Please Note: Not all states have continuation laws
State Continuation Rule Lookup
Quickly access the continuation coverage rules for states with mini-COBRA or super-COBRA regulations. Use the dropdown to provide your email address and select a state to view key information such as eligibility, coverage duration, notification requirements, and more. This tool helps you stay aligned with varying state-level continuation mandates.
What to Consider When Considering Continuation of Coverage?
When you lose employer-sponsored health coverage due to a qualifying event (like job loss, reduction in hours, divorce, or a dependent aging out), COBRA allows you to continue that coverage for a limited time — usually 18 to 36 months. This can be a valuable safety net, especially if you’re in the middle of treatment or want to keep your existing providers.
As you decide whether to elect COBRA, consider the following:
- Cost: You’ll pay the full premium (including the employer’s portion), plus a 2% admin fee
- Coverage: COBRA gives you the exact same coverage you had while employed
- Alternatives: Explore options on the Health Insurance Marketplace or through a spouse’s plan
Additional Resources
Learn more about electing and managing COBRA
Learn more about COBRA coverage
Learn More about COBRA coverage
Learn More about COBRA coverage
Have more questions? Check out our COBRA FAQs.